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Access to finance

22 October 2009
by Ina Dimireva -- last modified 13 June 2012

Entrepreneurs of small and medium-sized enterprises (SMEs) have access to only quite limited financial resources. To help them, France offers many sources of financial support.


There are different ways of accessing finance (personal savings, vendor loans, help or subsidies for the new owner, etc.).

Finding aid

Overview of finance methods

Public finance

Indirect support

Several tools can help with the setting-up or takeover of a business involving people in financial difficulty, e.g. deferring and then spreading of outstanding repayments.


Main sources of social and financial aid

France Initiative is a finance network offering business loans. Similarly, the Réseau Entreprendre network provides loans for new businesses.

France Initiative

Réseau Entreprendre (business start-up network)

Finance tools include loan and guarantee funds, the business and economic development assistance observatory, and the Entreprendre en France portal of the chambers of commerce and industry.

Finance tools

Loan and guarantee funds

Business and economic development assistance observatory 

Entreprendre en France portal of the chambers of commerce and industry

Direct support

The directory of sources of government business assistance provides an access gateway to government funding assistance.

Directory of sources of government business assistance

As well as government help for starting up and expanding a business, tax relief is also available.

Tax help

Private finance

France Angels is an association fostering contacts with business angels, i.e. wealthy benefactors with experience in a particular field.

France Angels

Love Money is an association that provides information and help for businesses wishing to attract new shareholders. It advises business owners and puts them in touch with potential subscribers.

Love Money

Business support organisations can advise businesses on how to find financing.

Business support — France

Source: Your Europe

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